With April's deadline approaching, our guest blogger raises the topical question for many, “ISA or pension”? Fundamentally, an ISA and a pension are both tax efficient shelters provided by the government, available to each UK resident as an efficient mechanism to accumulate wealth for the future. Each product has its own unique structure in relation to taxation, offering distinct features and benefits. As we approach the end of another tax year (5th April) it is crucial to ensure that you have maximised all planning opportunities available, before it is too late.